Which bank card to choose in Belarusbank. How to find out card details in Belarusbank

Clients of banking organizations may need to transfer funds from one plastic card to another. You can transfer money from one Belarusbank card to another using the Internet banking system, information kiosk or telephone. In each of the listed cases, a commission will be charged, its size depends on which method will be used.

Necessary conditions for transfer

To successfully complete a transaction, you need to have information regarding the recipient's card number. It consists of 18 or 16 digits. There must be sufficient funds in your account to take into account the commission payment.

Via Internet banking

You can transfer via Internet banking at any time when it is convenient. The service operates around the clock, and you do not need to leave your home or workplace to complete the transaction. Initially, you will need to go through the registration process on the bank's website. You can do this using an ATM or terminal located in a branch of a banking organization. After this, you can start making the transfer.

To do this you need:

• log in to your account;
• enter login and password;
• go to the “Transfers and Payments” section;
• click on the line “Transfer of funds”;
• choose between which cards you want to carry out the transaction;
• enter the payment details of the recipient's card;
• indicate the payment amount;
• check the correctness of data entry;
• press the “Pay” button.

If necessary, you can save the transaction template. This is required for those who perform the operations in question constantly. You will not need to enter your payment details each time; you will just need to log in and click on the name of the required template. The transfer of finances takes place within a few minutes.

Using your phone

You can transfer funds through an application developed for a mobile phone. The advantage of this method is that you can use it in any place convenient for you, in particular, you can be on the territory of Belarus or abroad, for example, in Russia. The service is available 24 hours a day.

The owner of the mobile phone initially needs to download the application. The official online store is used for this. Special attention must be paid to this, since otherwise the security of the transaction cannot be guaranteed.

The procedure for transferring finances looks like this:

• open the application;
• go through the authorization process by entering your login and password;
• go to the “Transfers and Payments” section;
• click on the line “Transfer funds”;
• choose between which means of payment the transaction will take place;
• enter the recipient's card number;
• indicate the payment amount;
• check whether the form was filled out correctly;
• press the “Payment” button.

Important! The commission payment is calculated automatically. If you transfer finances to another person, you will be charged 1.5 percent of the total amount.

Via information kiosk

You can use any kiosk where it is convenient for you. In this case, the commission is charged at the rate of 1.5 percent of the transfer amount. Please note that the minimum and maximum transfer amount is set, in the first case it is 1 ruble, in the second - 999.90.

What difficulties may arise

The main difficulties in this situation may arise due to the fact that finances can be transferred either within a few minutes or over several days. If you need to make a payment for a service or product before a certain point, it is better to pay in advance. Otherwise, the money may not reach the recipient's account on time.

Plastic cards not only saved us from having to carry cash with us, but also provided us with a way to quickly transfer money from one account to another. Of course, in most cases, you will have to pay a fee for this great opportunity. In this material we will look at all the options on how you can transfer money from a card to a Belarusbank card. Let us pay attention not only to the possibility of transferring funds within the bank, but also to the key points of conducting transactions with those card accounts that are registered with other banking institutions.

Transfer between Belarusbank cards

The main advantage is a minimum commission of 1.5% of the transaction amount.

And if the card accounts between which money is transferred belong to the same individual, then there is no commission at all. This rule applies to all banking products that you use to conduct a transaction. The main thing in this case is the activity of the payment recipient’s card account. It should not be on the banking organization's stop list. You can read more about how to transfer money from one Belarusbank card to another.

Transfer between accounts of different banks

At the beginning of 2018, Belarusians had almost 14 million payment cards in their hands. And although the share of holders of Belarusbank non-cash payment products among them is very respectable, still quite a lot of people use plastic cards from other banks. Moreover, every year the number of attractive offers in this area is only growing. Therefore, the question of transferring money from a card or to a Belarusbank card with the participation of other banks is quite relevant. Let us consider this process in detail using the example of standard operations in both one and the other direction. We are interested in the general scheme for implementing transactions, its convenience for the client and the amount of remuneration debited from the sender’s account.

"Belarusbank" → Account of any other bank

In order to quickly transfer money to other banks, Belarusbank clients have several convenient and practical tools at their disposal. One of them is Internet banking.

Typically, clients register in the Internet banking system when they receive the card, but this can be done later by submitting an online application. After receiving the session code card, you need to activate it - and after that, access to your personal account becomes open.

To transfer money to a card of another bank registered in the Republic of Belarus, you need to:

1. Log in to your personal account.
2. Select the “Transfer of Funds” section.
3. Select the option “Transfer to an account for which a card from another bank is issued.”

The transaction fee will be 2.5% - regardless of which bank issued the payee's card account.

This service is also available through the mobile banking system (M-banking), information kiosk and ATM - in the last two cases you will need to have plastic with you. The amount of remuneration written off is fixed and does not depend on the choice of instrument.

Let's give an example of using a mobile service. To use it, you will need any smartphone with the iOS, Android or Windows Phone operating system. The tool is not free: for the convenience of customers there are several tariff plans, the maximum costs 1.45 BYN per month.

1. Select “Money transfer” from the proposed options in the “Operations” section.

2. Click on the first option – “Card of any bank”.

3. Select the transaction currency.

4. Enter all the necessary data: plastic number, expiration date, and transfer amount.

5. Confirm the payment - if necessary, you can save the file and print it on a printer. Payments can be saved so that you can refer to them later if necessary.

If you use an information kiosk or ATM for this purpose, then immediately after you insert the plastic into the card reader, you need to select the appropriate “Transfer of funds” option in the menu, enter the 16-digit card number, its expiration date and after agreeing with a commission in the amount 2.5% confirm the operation.

"Belarusbank" ↔ "Sberbank" (Russia)

If there is a need to transfer money to a Russian Sberbank card (of course, with automatic conversion in the desired currency), the card2card service from Alfa Bank is a real lifesaver: it allows you to send money to payment card holders in the CIS without leaving Houses.

The operation itself will take you no more than a minute, and the money will go to the recipient’s account from a few minutes to 1-2 days (depending on the specifics of the recipient bank).

However, if you are not an Alfa Bank plastic card holder, you can only use such a prompt transfer of money to a Sberbank card if your card’s payment system is Mastercard or Maestro.

In this case, the transaction fee will be 2% of the transaction amount plus 40 Russian rubles. To implement this, you must have a connected 3-D Secure password - otherwise the requested debit will be rejected. You can activate it in Internet banking - in the section with the personal data of the account holder.

If you need to quickly and efficiently transfer money from Sberbank, the best option again seems to be the service from Alfa Bank - card2card. In this case, it also works with Mastercard and Visa, and the commission is 2% of the transaction plus the same 40 Russian rubles.

"Belagroprombank" → "Belarusbank"

If you want to transfer money to a Belarusbank card account, then to achieve this goal you can use:

• Internet banking;
• mobile banking;
• information kiosk or ATM.

The bank's remuneration will be 1.5% of the transaction amount. In this case, the minimum amount that will be debited for conducting a transaction is 99 kopecks.

"Belgazprombank" → "Belarusbank"

Transferring money to Belarusbank plastic from Belgazprombank is only possible if you are a holder of a Visa or Mastercard plastic product. The transaction can be completed using:

• information kiosk;
• Internet banking;
• mobile application.

The order of your actions is as follows:

1. In the menu of the banking instrument you have chosen, click on “Transfer to bank card”.
2. Select the option “To a Visa or Mastercard from another bank.”
3. Enter the number and expiration date of the plastic card in the standard month/year format.
4. Enter the transaction amount.
5. Confirm the operation.

The bank will write off a commission in the amount of 1.5% of the transaction amount, but not less than 1.5 BYN.

"BPS-Sberbank" → "Belarusbank"

The commission for a cash transaction from a BPS-Sberbank card is 1.5% of its amount, but the minimum remuneration debited by the bank is 2 BYN. The most convenient way to do this is through the WEB version of the Sberbank Online system. To get started, you need to register.

The following actions:

1. Select the option “Transfer to a card from another bank.”
2. Enter the plastic number and its validity, the payment amount.
3. Read the terms and conditions for writing off the commission.
4. Confirm the payment.

Types and capabilities of bank plastic cards of JSC "ASB Belarusbank"

Constantly increasing requirements for the range and quality of services, growing competition between banks for clients and for the resources of the population have necessitated the need for JSC JSB Belarusbank to search for new forms, methods, and tools for working with the population.

In total, as of January 1, 2013, there were 4.8 million plastic cards of JSC ASB Belarusbank in circulation. Also, as of 01/01/2013, there were 1,109 ATMs of JSC JSB Belarusbank, more than 2.1 thousand information kiosks, 30.3 thousand electronic terminals installed at trade and service enterprises, more than 2 thousand cash issuing points, almost 2 thousand points for accepting utility payments .

OJSC ASB Belarusbank issues the following types of plastic cards:

• 1. Plastic cards for individuals:
• 1.1 Cards for use on the territory of the Republic of Belarus;
• 1.2 International cards;
• 1.3 Savings cards.
• 2. Plastic cards for legal entities:
• 2.1 Corporate plastic cards;
• 2.2 Salary project.

Let's take a closer look at these types of plastic cards.

Cards for use in the territory of the Republic of Belarus - plastic cards VISA Electron, Maestro and BELKART with a magnetic stripe of JSC ASB Belarusbank with an account in Belarusian rubles are intended for use only in the territory of the Republic of Belarus.

The card holder has the opportunity to:

• · receive cash in foreign currency: at cash issuance points of JSC "JSSB Belarusbank" - US dollars and euros; in dual-currency ATMs of JSC "JSSB Belarusbank" - US dollars; at ATMs and branches of other banks - US dollars and euros (except for BELKART cards);
• · carry out transactions around the clock and regardless of the bank’s operating hours;
• · pay for goods and services in trade and service enterprises (shops, gas stations, cafes, restaurants, canteens, pharmacies, etc.);
• · make non-cash transactions and use a wide range of services at information kiosks, ATMs and utility payment collection points;
• · withdraw cash in Belarusian rubles without commission at cash dispensers and ATMs of OJSC "JSSB Belarusbank", as well as at ATMs of the National Bank of the Republic of Belarus, OJSC "BPS-Bank", OJSC "Belinvestbank" (for Maestro, VISA Electron, BELKART); at ATMs of OJSC Belagroprombank (for VISA Electron, BELKART cards).

International cards for individuals - VISA Electron and Maestro OJSC "JSSB Belarusbank". The card account is opened in US dollars. At the client’s request, it can be opened in 2 (3) currencies: US dollars, euros and (or) Belarusian rubles.

International VISA Electron and Maestro cards allow their holders to:

• · withdraw cash from 1 million ATMs, as well as pay for goods and services in more than 10 million trade and service enterprises equipped with electronic terminals around the world;
• · get rid of the need to declare foreign currency when traveling abroad;
• · make non-cash transactions and use a wide range of services at information kiosks, ATMs and points for accepting utility payments of JSC "JSSB Belarusbank".

Another type of international plastic cards is VISA Classic and MasterCard Standard of JSC ASB Belarusbank. VISA Classic cards are based on new chip technology, which provides additional security during transactions, and can be issued for either 1 or 2 years. The card account is opened in US dollars. At the client’s request, it can be opened in 2 (3) currencies: US dollars, euros and (or) Belarusian rubles. Maintaining a card account in 3 currencies is beneficial for the cardholder, since abroad he can pay from foreign currency accounts, and in the territory of the Republic of Belarus - from ruble accounts.

International plastic cards VISA Classic and MasterCard Standard allow their clients to:

• · receive monthly account statements by email;
• · make non-cash transactions and use a wide range of services at information kiosks, ATMs and points for accepting utility payments of JSC "JSSB Belarusbank";
• · use the SMS notification service, which allows you to control the spending of funds from your card account;
• · A client of JSC "JSSB Belarusbank" who issues a VISA Classic and MasterCard Standard card receives an electronic card of another payment system - Maestro or VISA Electron - on preferential terms.

The most prestigious international plastic cards are VISA Gold, MasterCard Gold.

International cards Visa Gold and MasterCard Gold of JSC JSB Belarusbank are one of the most prestigious cards that guarantee increased attention, comfort and the highest quality of service. VISA Gold cards are based on new chip technology, providing additional security during transactions, and can be issued for either 1 or 2 years. The card account is opened in US dollars. At the client’s request, it can be opened in 2 (3) currencies: US dollars, euros and (or) Belarusian rubles. Maintaining a card account in 3 currencies is beneficial for the cardholder, since abroad he can pay from foreign currency accounts, and in the territory of the Republic of Belarus - from ruble accounts.

International plastic cards Visa Gold and MasterCard Gold allow their holders to:

• · withdraw cash around the clock from ATMs and cash points, as well as make unlimited payments at all trade and service establishments that service VISA and MasterCard cards around the world;
• · receive discounts and benefits in a number of foreign trade and service enterprises (cafes, restaurants, hotels, theaters, airports, etc.);
• · book hotel rooms or rent a car;
• · receive monthly account statements by email;
• · make non-cash transactions and use a wide range of services at information kiosks, ATMs and points for accepting utility payments of JSC "JSSB Belarusbank";
• · issue an additional card on preferential terms for a family member, giving him the opportunity to use the funds in the account;
• · use the SMS notification service, which allows you to control the spending of funds from your card account;

A client of JSC "JSSB Belarusbank" who issues a Visa Gold or MasterCard Gold card receives an electronic card of another payment system - Maestro or VISA Electron - on preferential terms.

Another type of international plastic cards is VISA Electron with a chip. International VISA Electron chip cards with an account in Belarusian rubles comply with the latest requirements of international payment systems (EMV standard) and provide additional security during transactions. They are affordable and, unlike other international cards, are issued for a period of 3 years.

International VISA Electron chip cards with an account in Belarusian rubles allow you to:

• · receive wages and other income on the territory of the Republic of Belarus;
• · make transactions in any currency at ATMs, banks, trade and service establishments around the world.

International plastic card VISA Electron for women - Lady Card - the most stylish card. When registering a Lady Card, each woman receives a convenient case for storing it as a gift. If you wish, you can issue an additional card to your card account for your daughter, mother, grandmother or friend, with which they can use the funds on the card account.

Lady Cards allow you to:

• · receive wages, benefits, dividends and other income on the territory of the Republic of Belarus;
• · receive special discounts when paying for goods and services in stores, beauty salons, restaurants, pharmacies and a number of other trade and service enterprises;
• · use a wide range of services at information kiosks, ATMs and points for accepting utility payments of JSC "ASB Belarusbank";
• · make transactions in any currency at ATMs, banks, trade and service establishments around the world;
• · in agreement with the bank, issue a short-term loan - overdraft.

Savings cards of JSC "ASB Belarusbank" for individuals BELKART and Visa Electron with a chip allow you to store funds most profitably, receiving additional income in the form of an increased interest on the amount of funds stored on the card account. The more funds are stored on the card account, the higher the income accrued on them.

OJSC "ASB Belarusbank" offers BELKART savings cards intended for use only in the territory of the Republic of Belarus (the card account for the BELKART savings card is opened in Belarusian rubles) and international Visa Electron savings cards with a chip, which can be used both in the territory of the republic and outside of it (the card account for the Visa Electron savings card with a chip is opened in US dollars)

Savings card holder:

• · has round-the-clock access to funds stored on the card account and can dispose of them without restrictions on the amount:
• · pay for goods and services in trade and service organizations;
• · carry out a wide range of non-cash transactions at information kiosks, bank branches, ATMs, from a mobile phone and via the Internet;
• · withdraw cash at any convenient time.

Corporate plastic cards of JSC ASB Belarusbank MasterCard Business and Maestro are intended for legal entities and individual entrepreneurs. They are a modern and convenient payment tool for controlling and streamlining both expenses associated with business activities and travel expenses of companies, which significantly contributes to reducing the burden on accounting.

OJSC ASB Belarusbank offers both international corporate cards MasterCard Business and Maestro, as well as corporate Maestro cards intended for use only in the territory of the Republic of Belarus. A card account for the international corporate card MasterCard Business and Maestro is opened in US dollars. At the client’s request, it can be opened in 2 (3) currencies: US dollars, euros and (or) Belarusian rubles. The card account for the Maestro corporate card, intended for use only in the territory of the Republic of Belarus, is opened in Belarusian rubles.

Corporate cards allow you to:

• · get rid of the need to provide employees of the enterprise with cash for travel expenses and expenses related to business activities;
• · individual entrepreneurs pay for goods abroad;
• · by receiving monthly account statements, control the intended use of funds on the card account;
• · limit employees' spending of funds from their card accounts by setting limits;
• · issue an unlimited number of cards to one card account;
• · make non-cash payments for free;
• · withdraw cash in Belarusian rubles for free from ATMs and branches of JSC ASB Belarusbank, as well as ATMs of the National Bank of the Republic of Belarus, JSC BPS-Bank and JSC Belinvestbank.
• · international corporate MasterCard Business cards allow you to book hotel rooms and rent a car.

To open a card account, a legal entity (individual entrepreneur) does not need to have a current account with JSC JSB Belarusbank.

Plastic gift card MAESTRO JSC "JSSB Belarusbank" is a stylish and elegant gift card that allows you to make non-cash payments in trade (service) organizations, at information kiosks, ATMs, from a mobile phone (SMS banking, M-banking), and to receive cash cash.

The Maestro gift card, which can be purchased in just a few minutes, is packaged in a colorful envelope and will become a welcome gift to your friends, family and loved ones. You give your loved one the opportunity to decide for himself what will make him happier, and what kind of desire will come true this time.

If necessary, the gift recipient will always be able to top up his gift card and continue to use it throughout the Republic of Belarus.

All of the above types of plastic cards are presented in Appendix No. 1.

SB "Belarusbank" is the largest bank in the Republic of Belarus. It occupies a leading position in terms of capital, assets and cards issued. They will be discussed in this article.

Story

In 1987, the Belarusian Republican Bank was created, which in 1991 changed its name to the Savings Bank of Belarus. In 1995, it merged with CB Belarusbank into the current OJSC ASB Belarusbank. In subsequent years, the financial organization also included Belsvyazbank, Belzheldorbank and MinskComplexBank. Today, the holding includes institutions engaged in leasing, brokerage, consulting activities, and providing non-banking services.

Financial indicators

By 2011, Belarusbank was recognized as the largest in the domestic market. In the annual ranking of world banks by The Banker for 2015, JSC JSB Belarusbank was in 10th place among 25 institutions in Eastern Europe. More than 99% of shares are owned by the state.

As of 01/01/16, the bank’s resource base amounted to 268 trillion. rub., regulatory - 33.8 trillion. rubles, authorized capital - 26.7 trillion. rub. The bank's presence in the domestic market was 41.2%: deposits - 45%, loans - 72%. The bank raised $1.8 billion from foreign financial companies, and $79 trillion from legal entities. rub., individuals - 95 trillion. rub.

Payment systems

Belarusbank issues cards of the Belkart system and international Visa and MasterCard. More details on how to put money on a Belarusbank card will be discussed below. Since 2012, American Express cards have also been in circulation. Their acquiring is carried out by BPS-Sberbank and Belarusbank. There are more than 20 thousand retail outlets and 30 thousand terminals to serve customers.

Refill

How to put money on a Belarusbank card? You can perform this operation in two ways:

• Cash;
• Transfer from another card or account.

Let's take a closer look at each of these options.

Cash replenishment

Is it possible to put money on a Belarusbank card through a cash desk? Yes, you can. To complete the transaction, you need to provide the cashier with the following information:

• FULL NAME. owner.
• Account service agreement number.
• Information about the bank branch where the agreement was signed.
• Card number.

Funds are credited to your account within three days.

Transfer between cards

The easiest way is to carry out a transaction between cards of the same person. There is no commission charged for such transactions. You can also transfer funds between cards of the same bank issued to different owners. For such an operation you will have to pay 2.5%. How to put money on a Belarusbank card? You need to indicate the card number and expiration date in the application form on the bank’s website. The operation is carried out only in rubles.

How else can you deposit money? The Belarusbank card can be topped up through international payment systems. On the Visa and MasterCard websites you can find services for instant transfer of funds between cards issued by the same payment system. You will have to pay an additional 5% for the processing speed of the transaction.

Another way to put money on a Belarusbank card? The accounting department of an enterprise can transfer funds to an employee to a card of any bank. An Internet banking system is provided specifically for this operation.

Using information kiosks

Information kiosks (POS terminals) are actively used all over the world by banks and other organizations to pay for goods and services, order tickets, etc. With their help, you can use services without visiting a branch. An information kiosk is not an ATM. You cannot withdraw funds through it.

The machines are conventionally divided into two parts: some work only with cards, the second also accept cash (Cash-in function). Most often, bills end up in a special converter. Subsequently, bank employees seize it, open it and conduct an inventory. After these procedures, the funds are credited to the recipient's account. There are also machines of the second type, which immediately recognize banknotes and credit the money to the client’s account. They are more common.

How to put money on a Belarusbank card through an information kiosk? First of all, you need to select the “Cash Transactions” item in the device menu. The system will provide a form to fill out. To make a payment, you need to indicate the card number and expiration date, insert banknotes and confirm the payment. When replenishing your account, you need to take into account that the terminal does not give out change. For this operation there is a commission of 1.5% of the deposited amount. Through the infobox you can top up your card balance by 1-999 BYN. rub. The operation is carried out in real time. Funds are credited to your account within a few minutes.

Another way to put money on a Belarusbank card? If you don’t have cash, you can top up your account using a bank card. To do this, you need to select the “Cashless payment” section in the terminal and insert the card on the payment page. The system will require a PIN code to confirm the transaction.

Other features

The information kiosk can be used to obtain reference information about the account. It is enough to insert the card of OJSC "JSSB Belarusbank" and select the appropriate menu item:

• view account balance;
• pay for bus tickets;
• pay for the services of a mobile operator, home telephone, Internet;
• pay off debt on utilities (water, gas, electricity, etc.);
• pay taxes;
• repay the loan issued by ASB Belarusbank, AKB Belrosbank, Delta Bank;
• transfer funds between accounts;
• replenish your deposit account;
• order or cancel the SMS banking service.

Without using a card, you can only view background information about the bank.

To pay for services, you need to insert the card into the card reader and enter the PIN code. After authorization, you should select the “Payments” operation and then the desired service, for example, RUE “Beltelecom” (home phone payment). To carry out a transaction, you must enter a phone number with a code (10 characters). At the next stage, the system will require your full name. subscriber In order not to re-enter data, it is enough to save the payment in the system and, if necessary, return to the template. The amount owed will automatically be displayed on the screen. You can change it by clicking on the “Correct” or “Pay” button. Upon completion of the transaction, you need to pick up the check and card.